Is Starling Bank or Zempler Bank (formerly Cashplus) better for your small business?
Below we look at both Starling Bank and Zempler Bank (formerly Cashplus) reviews on Trustpilot along with their App reviews from Apple and Google.
We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.
Starling Bank vs Zempler Bank (formerly Cashplus) Trustpilot Reviews
| Starling Bank | Zempler Bank (formerly Cashplus) | |
| Trustpilot Review Score (out of 5) | 4.3 | 3.7 |
| Percent 5-Star Reviews | 76% | 54% |
| Percent 1- Star Reviews | 11% | 30% |
| Total Number of Reviews | 38,869 | 9,921 |
https://www.trustpilot.com/review/starlingbank.com
https://www.trustpilot.com/review/www.cashplus.com
Starling Bank vs Zempler Bank (formerly Cashplus) App Reviews
| Starling Bank | Zempler Bank (formerly Cashplus) | |
| iPhone Review Score (out of 5) | 4.9 | 4.7 |
| Number of iPhone Reviews | 477,500 | 48,000 |
| Android Review Score (out of 5) | 4.5 | 4.5 |
| Number of Android Reviews | 114,000 | 23,400 |
https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430
https://apps.apple.com/gb/app/cashplus-bank/id709473017
Starling Bank vs Zempler Bank (formerly Cashplus) Account Fees & Charges
| Starling Bank | Zempler Bank (formerly Cashplus) | |
| Free Business Bank Account | Yes | Yes |
| Free Business Account Term Length | No Limit | No Limit |
| Cheapest Monthly Account Fee | No | No |
| Most Expensive Monthly Account Fee | No | £9 |
| Electronic Payment Cost (in/out) | Free | Free / 30p |
| Cash Payments Cost (in/out) | 0.70% | 0.5% / £2 |
| Cheques (in/out) | Free | Unknown |
| CHAPS Payments Cost | £20 | £20 |
| SEPA Payments Cost | No | £15 |
Starling Bank vs Zempler Bank (formerly Cashplus) Business Savings Rates
| Starling Bank | Zempler Bank (formerly Cashplus) | |
| Types of Business Savings Accounts | None | None |
| Lowest Savings Rate (AER) | NA | NA |
| Maximum Savings Rate (AER) | NA | NA |
| Minimum Savings Amount | No | NA |
| Interest Paid On Foreign Currencies | Yes | No |
Starling Bank vs Zempler Bank (formerly Cashplus) Account Opening Times
| Starling Bank | Zempler Bank (formerly Cashplus) | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 1 to 5 Working days | 1 day |
| Do They Check Your Credit? | Yes | No |
| Current Account Switch Service | Yes | No |
Starling Bank vs Zempler Bank (formerly Cashplus) Features & Account Types
| Starling Bank | Zempler Bank (formerly Cashplus) | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | No |
| Business Credit Card | No | Yes |
| Business Overdraft | Yes | Yes |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | Yes | Yes |
| Accounts For Sole Traders | Yes | Yes |
| Joint Business Accounts Available | Yes | Yes |
| Card Type | Mastercard | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | Yes |
| In Person/Branch Banking | Yes | No |
| Branch Locations | None, but can use post office locations for some services | None, online only |
Starling Bank vs Zempler Bank (formerly Cashplus) Customer Support Options
| Starling Bank | Zempler Bank (formerly Cashplus) | |
| Phone Support Available | Yes | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | Yes |
| Web Based Support | Yes | Yes |
| In person Customer Support | Yes | No |
Starling Bank vs Zempler Bank (formerly Cashplus) Foreign Currency Accounts
| Starling Bank | Zempler Bank (formerly Cashplus) | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
| No |
Other Business Services From Starling Bank and Zempler Bank (formerly Cashplus)
| Starling Bank | Zempler Bank (formerly Cashplus) | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | No | No |
| Invoice Financing | No | Yes |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | Yes | No |
| Free Accounting Software | No | No |
Starling Bank vs Zempler Bank (formerly Cashplus) Banking Basics
| Starling Bank | Zempler Bank (formerly Cashplus) | |
| Bank Type | Challenger | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 730166 | 671140 |
| Website | Starling Bank Website | Zempler Bank (formerly Cashplus) Website |
Common Comparison Questions
Does Starling Bank or Zempler Bank (formerly Cashplus) have better customer reviews?
Starling Bank scores 4.3 out of 5 based 38,869 Trustpilot reviews. Of these reviews 76% are 5-star and 11% are 1-star.
Whereas, Zempler Bank (formerly Cashplus) scores 3.7 out of 5 based 9,921 Trustpilot reviews. Of which 54% are 5-star and 30% are 1-star.
Does Starling Bank or Zempler Bank (formerly Cashplus) have a better App?
Starling Bank’s iPhone App is rated 4.9 out of 5 based on 477,500 reviews. And it’s Android App is rated 4.5 out of 5 based on 114,000 reviews.
In comparison, Zempler Bank (formerly Cashplus)’s iPhone App is rated 4.7 out of 5 based on 48,000 reviews. And it’s Android App is rated 4.5 out of 5 based on 23,400 reviews.
Does Starling Bank or Zempler Bank (formerly Cashplus) have better business savings rates?
Starling Bank offers the following types of business savings accounts: None with interest rates ranging from NA to NA. (AER)
In contrast, Zempler Bank (formerly Cashplus) offers None accounts with interest rates ranging from NA to NA (AER).
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For other business bank accounts see our guide here.